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    • I called the hermes help desk to see if they had done anymore to locate my rather large parcel, this was after submitting the online claim form. He told me they there was no chance of it being found.   I asked  if i am covered, he spoke to the claims department and came back and confirmed it was covered including the shipping cost of £21.00 so £321 would be paid back.    Nothing formal from the claim team in writing so far.        
    • It was The repair team that do work for Harvey’s. They had to come out three times in the space of four months. After the last visit in august 2019 Harvey’s contacted us to say they would replace the sofas
    • If you can spend some time reading around the threads here as I've already suggested, you will understand what we have to say about the so-called insurance cover and how it is unfair and unenforceable. Please familiarise yourself with this. Have they actually agreed to pay out on the insured value? Not only should you have the value of your lost items that you should also have the cost of the delivery as well as the insurance back. They don't care about losing a lot of business. They've got a huge amount of business and although they are the most complained about courier company in the country, I expect that 98% of their deliveries are successful. Of course when you talk about the remaining 2% of millions – it still ends up with a lot of loss parcels. The really disgusting thing is how Hermes then deny liability and try to force people to accept their losses. Most people give up but people who come here normally get their money back – but in your case afraid it does depend on the correct declared value
    • I was not aware of the non compensated list until after the event.   when you book it only shows the prohibited list which is about safety.   the non compensated list is right at the bottom of the page.   they took my additional payment for “insurance”  so cannot refuse to pay out unless its prohibited.   They should perhaps put a drop down box, to select an item type, and if its on the non compensated list then not allow the option to pay for additional “insurance” and warn the users it has no compensation for loss or damage.   They would loose a lot of business and the extra money they make if all goes to plan.   Will do, i might just have to accept the insurance value and put the rest down to experience. Thank you for the advice i will review threads and familiarise myself with what to do.
    • Thanks. As for their prohibited items list – in respect of items which are lost, it's completely irrelevant and unenforceable. However, the view we take is that if you declare a particular value and they undertake to carry your goods at that value then that is all you can recover. If you want to try and go for higher value then we are happy to help you but I don't fancy your chances but it would be interesting. Please spend the next few hours reading around the Hermes sub- forum and understanding the process about challenging Hermes, issuing a letter of claim and then issuing court papers. Understand also the process of bringing a small claim in the County Court. When you think that you know your way around then come back here and will help you on the next step. Once again, you're welcome to try and claim for the higher figure – but I think is most unlikely that you would succeed and in fact whereas most claims seem to go to mediation and get settled there, I suspect that if you claim for a higher amount that they would try their luck in court. However, you seem to be saying that so far in respect of your claim Hermes have been making positive noises and that they may pay you out on the basis of the insurance cover.  
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Storecard PPI - Creation Finance


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Hi,

 

I took out 2 store cards in 2001 which I finally paid off a couple of years ago. As everyone was talking about PPI I wrote to Creation questioning whether I had paid PPI and they confirmed that I have been paying PPI on both accounts. I asked them for a refund and they provided me with a copy of the CCA for each account and advised me that as the PPI box was ticked, it has not been missold to me.

 

The application forms were not completed by myself, and I definitely would not have agreed to PPI - I do not believe that I was given any information at the time regarding PPI so would not have been in a position to agree to it. The box for PPI 3D was ticked but not by me. I took out both of the storecards the day after I turned 18 (stupid I know).

 

The CCA that they have sent me are illegible so I cannot read what the cost of the PPI was and I am unaware how much I have actually paid. They said that it would have been on my statements but I no longer have them.

 

I have written back to creation asking them to reconsider and I am awaiting a reply.

 

Can I take this further if they say no again? I have been advised that in 2001 they were not under FOS juristriction so would this be game over?

 

Many thanks in advance :)

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Hi

 

I would SAR them to get as much information as I could regarding statements etc.

 

From the statements that come back you can work out broadly what you are due back.

 

You should also complete a fos questionnaire and send that to them with a copy of a spreadsheet (your claim calculation) and a letter requesting the refund.

 

If you have already done a letter to them, wait and see what comes back. Don't give in at the first hurdle.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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you certainly have a claim

 

it might be an idea to SAR them as you are going to need all the statements to put in a properly

formed claim, rather than hoping creation will 'be nice' - they wont as they know you've not researched your rights etc.

 

see the CC PPI link in my sig below.

 

comeback here when you have all the statements.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi ims21, thank you very much for such a quick reply :)

 

Yes it was the FOS questionaire that I originally completed and sent to them (I think). I have received a final response for each account declining my claim for a refund. The responses are identical to the word so must just be a standard response they issue.

 

I have now written back to them outlining that I did not complete the form or tick the box and that I was not given any information regarding the PPI - I did both in store and Im sure it was just a case of signing the form. The copies of the CCA's are so poor.

 

Thanks again

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Hi

 

If both accounts were with creation it is one SAR and one £10 payment

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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and i bet they'll pull the 6yrs stunt!

 

they are crafty buggers

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Keep at them - I got them to pay up on my PPI complaint a year before the judicial review, it took a year but they caved in eventually. They handled it appallingly, tried every trick in the book so don't give them an inch and just remember that as you have no debt left on the cards that every day they drag this out the 8% statutory interest they'll also have to pay you will keep racking up. Good luck :)

Score Card

 

For myself, family and friends......

 

WIN! MBNA - £8,000 CC PPI + 3 months interest for delayed refund

WIN! RBS - £1,400 CC PPI + 4 months interest added for delayed refund (via FOS)

WIN! RBS - £150 BC (via FOS)

WIN! Creation - £575 Store card PPI + 3 months interest for delayed refund

WIN! Creation - £120 BC

WIN! Ikano - £795 Store Card PPI

WIN! CapitalOne - £1700 CC PPI

WIN! CapitalOne - £110 BC

WIN! HSBC - £2,850 CC PPI

WIN! RBS/MINT - £1,900 - CC PPI

WIN! Halifax - BC - £102

WIN! Barclaycard - £130 BC

Awaiting offer HSBC - MPPI (via FOS)

Awaiting final response Barclaycard - CC PPI

Awaiting final response Morgan Stanley - CC PPI

SAR sent HSBC - CC PPI + Loan PPI

SAR sent GE Money - Store Card PPI - not holding out much hope as very old account

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Keep at them - I got them to pay up on my PPI complaint a year before the judicial review, it took a year but they caved in eventually. They handled it appallingly, tried every trick in the book so don't give them an inch and just remember that as you have no debt left on the cards that every day they drag this out the 8% statutory interest they'll also have to pay you will keep racking up. Good luck :)

 

Thanks freelance, congrats on your win :) did you have a thread at the time? I would love to read about your experience with creation. Thanks for your reply.

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I did start threads for some of my PPI complaints but I didn't update them really! It was such a maddening experience trying to get PPI back before the judicial review I think my posts would have put most people off trying! No reason not to try now though...........

 

I was going after Creation for both late fees and PPI.

 

I sent them an SAR and they immediately applied the £10 to my card which was already paid off like yours and put me £10 in credit - and then they did nothing else at all. They then claimed I'd never sent them an SAR and had just randomly sent a cheque to my own account. After a lot of prodding they claimed they couldn't locate my original application form (which had been filled out entirely by the girl in the shop) and sent me a blank application form for a completely different card. They then sent me a completely random selection of statements which is all they said they had on record for my account. After months of getting nowhere I went to the FOS who, at the time, couldn't do much and Creation had refused to supply details of the insurer - who the FOS had said they might be able to chase but I had to get the details myself. I went back to Creation, threatened them with the ICO for failing to to supply details of the PPI policy and insurer as part of the SAR. They replied by referring to their response to my SAR and then claiming I'd never sent them one, all in the same letter! After one final letter threatening the ICO and including copies of all correspondence between Creation and myself they then offered to refund the late fees and PPI premiums as a goodwill gesture. They added 8% as well but not quite how it should have been done, but to be honest I couldn't be bothered to chase them anymore, looking back at the paperwork it was actually almost 18months since I'd sent the SAR by this point!

 

I also managed to get my PPI back from Ikano (Habitat card) around the same time with a similar experience - they eventually tripped themselves up by doctoring a letter and forgetting they'd already sent me the original - goodwill gesture followed very quickly!

 

See what you get back in your SAR (which will be incomplete) and then come down on them like a ton of bricks making it clear that your will be reporting them to the ICO as well as the FOS. It might be worth noting that as you have done your SAR after your PPI complaint they should also be sending you details of your PPI complaint and their investigation into it as part of their response, including computer records - if they fail to do this it's proof if nothing else that they've failed to respond in full.

 

Also I'm not sure what the situation is with the FOS and store cards at the moment - some of the store cards wouldn't have been regulated so make sure you get the insurer/underwriter's details off the Creation as an alternative route and include those in any correspondence you have with the FOS if you end up referring your complaint to them. As part of the SAR Creation should be supplying details of any third parties they have dealt with on your account - that includes the insurer/underwriter for the PPI.

 

Finally, if you feel that they have failed to investigate your complaints properly (i.e. they've sent you standard responses which don't refer to your specific complaint) you can complain to them again despite the 'Final Response'. It may not get you any further but pointing out this additional failing, making it clear your next step is the FOS, does no harm.

 

Fingers crossed and remember you have absolutely nothing to lose :)

Score Card

 

For myself, family and friends......

 

WIN! MBNA - £8,000 CC PPI + 3 months interest for delayed refund

WIN! RBS - £1,400 CC PPI + 4 months interest added for delayed refund (via FOS)

WIN! RBS - £150 BC (via FOS)

WIN! Creation - £575 Store card PPI + 3 months interest for delayed refund

WIN! Creation - £120 BC

WIN! Ikano - £795 Store Card PPI

WIN! CapitalOne - £1700 CC PPI

WIN! CapitalOne - £110 BC

WIN! HSBC - £2,850 CC PPI

WIN! RBS/MINT - £1,900 - CC PPI

WIN! Halifax - BC - £102

WIN! Barclaycard - £130 BC

Awaiting offer HSBC - MPPI (via FOS)

Awaiting final response Barclaycard - CC PPI

Awaiting final response Morgan Stanley - CC PPI

SAR sent HSBC - CC PPI + Loan PPI

SAR sent GE Money - Store Card PPI - not holding out much hope as very old account

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Hi Freelance,

 

It sounds like you had an awful time with it!! Well done for sticking at it and getting a result!

 

I have also had late fees from creation and mentioned this in my last letter to them. I cant remember how much they charged at the time for late payment fees. Like you say, the responses I received back were clearly template letters which is why I replied pointing out the specific reasons I feel that the PPI was miss-sold.

 

I cant believe that Ikano doctored a letter :!: how shocking!!!

 

Creation have sent me a copy of the PPI policy document which states that the policy was with St Andrews Life Assurance plc and St Andrews Insurance plc. It also provides their address and the policy number.

 

Like you say, I'll see what I get back from the SAR and will take it from there. I also wonder whether they will respond to my follow up letters which I sent a couple of weeks ago by recorded delivery.

 

Many thanks again :)

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  • 3 weeks later...

So I am still awaiting a response to my SAR..

 

But I have received a reply to one of the follow up letters I sent (They are dealing with each account seperately so I sent the same letter to each investigator)

 

In my previous letter I had asked that they send me a Legible copy of the CCA, they have sent me the CCA's already but they are such bad copies that I cannot read any of the figures quoted for the PPI - I have even tried to read it with a magnifying glass but dont have a clue what it says.

 

The reply I have received says 'to reiterate, the cost of the cover is clearly visable on the copy of the application form enclosed with my previous response' - Errrrrrrm its not clearly visable, this is why I requested a LEGIBLE COPY

 

Do they have any responsibility to send a copy which is readable?

 

I have also noticed that whilst both of my CCA's are from 2001 they are slightly different in that one of them appears to have a space for a signature under the PPI boxes but this has not been signed. Should this have been signed also or do they feel it is good enough just to obtain a signature on the main form??

 

Many thanks again - this is so frustrating

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await the sar reply

 

that will show ppi payments

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx100uk - apologies, patience is not a strong point of mine :)

 

I have received a further response from Creation this morning and now I am confused about whether I have actually been paying PPI at all.

 

I have not yet received a reply to by SAR. However, one of the complaints advisors who dealt with my enquiry as provided me with some statements to show how the PPI was presented to me on one of my accounts. It mentions an 'insurance premium' on the first statement but nothing on the others?

 

statement date

25/09/2001

 

13 Sep - USC £193

13 Sep - 10% introductory offer - £19.30 CR

22 Sep - Cpp New Applications London - £12

25 Sep - Insurance premium - £1.83

 

Balance - £187.53

Minimum payment due - £9.37

To Reach us by - 17 Oct 2001

Total available to spend - £12.47

 

 

Statement date

24 Oct 2001

 

25 Sep - Balance from last statement - £187.53

12 Oct - Payment received, thank you - £40 CR

24 Oct - Service Charge at 2.2% per month - £5.76

 

Balance - £153.29

Minimum payment due - £7.66

To Reach us by 15 Nov 2001

Total available to spend £46.71

 

Then all future stateements are the same as the above and do not mention insurance. Does this mean that all I paid on this account was £1.83?

 

Thanks and apologies if I am being really thick!! :)

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well there are two then

cpp credit protection plan [external company - use our search top right - you can get that back from CPP]

 

ins premium

 

that'll be ppi

 

await the sar

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i would suspect you'll have cpp every year on the same date.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Hi everyone

 

Has anyone got an address to write to Creation please to get the relevant information as I had a store card with them a few years ago and feel pretty sure that I would have been paying PPI on it at the time, but I can't find an address to write to.

 

Can anyone help please?

 

Many thanks

 

Jenny

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Hi everyone

 

Has anyone got an address to write to Creation please to get the relevant information as I had a store card with them a few years ago and feel pretty sure that I would have been paying PPI on it at the time, but I can't find an address to write to.

 

Can anyone help please?

 

Many thanks

 

Jenny

 

SAR requests can go to

 

Creation Financial Services Limited. Registered office: Chadwick House, Blenheim Court, Solihull B91 2AA

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 2 weeks later...

I received my SAR today...two huge packs of statements and I also received a further letter from creation in relation to charges on one of the accounts. They have said that they will refund me £144 plus interest at the rate of 8% = £10.32. I raised a query regarding charges on both accounts and am still awaiting a response regarding the other account.

 

Even though I have received all of my statements I still dont have a clue how much I have paid in PPI. The statements are clear as mud to me.

 

From Dec 2001 - June 2002 PPI is clearly included on my statements as 'insurance premium' and ranges from £3.73 to £4.52 per month.

 

However, from July 2002 onwards 'insurance premium' is no longer listed on my statements nor is the intrerest or anything else. From this date onwards the only information on the statements is as below;

 

20JUL02

BALANCE - £471.90

£101.59

£82.11

12 AUG 02

 

20AUG02

9AUG - PAYMENT RECEIVED £250.00CR

BALANCE £221.90

£11.09

11 SEP 02

 

19SEPT02

BALANCE £221.90

£21.63

£11.09

11 OCT 02

 

19OCT02

BALANCE £221.90

£31.64

£21.63

11 NOV 02

 

20NOV02

PAYMENT RECEIVED £100.00CR

BALANCE £121.90

£6.09

12 DEC 02

 

19DEC02

BALANCE £121.90

£11.88

£6.09

10 JAN 03

 

21JAN03

BALANCE £121.90

£17.38

£11.88

12 FEB 03

 

19FEB03

BALANCE £121.90

£22.60

£17.38

13 MAR 03

 

20MAR03

PAYMENT RECEIVED £21.90CR

BALANCE £100.00

£5.00

11 APR 03

 

21APR03

BALANCE £100.00

£10.00

£5.00

13 MAY 03

 

21MAY03

PAYMENT RECEIVED £50.00CR

BALANCE £50.00

£5.00

12 JUN 03

 

21JUN 03

BALANCE £50.00

£10.00

£5.00

14 JUL 03

 

21JUL03

BALANCE £50.00

£15.00

£10.00

12 AUG 03

 

19AUG03

BALANCE £50.00

£20.00

£15.00

10 SEP 03

 

18SEP03

BALANCE £50.00

£25.00

£20.00

10 OCT O3

 

20OCT03

BALANCE £50.00

£30.00

£25.00

11 NOV 03

 

19NOV03

BALANCE £50.00

£35.00

£30.00

11 DEC 03

 

18DEC03

DELINQUENCY CHARGE OFF £50.00CR

BALANCE £50.00

£50.00

£50.00

09 JAN 04

 

Can someone please advise me what the figures listed below the balance will be? I gather one will be a minimum payment?..what will the other figure be?

 

Also does anyone know what a delinquency charge is and why the statements may have stopped showing the interest, ppi etc?

 

Many Thanks :)

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